Stay calm and not be angry. Move to somewhere safe and check if anyone requires assistance.

Do not admit liability, sign any promissory note agreeing to pay for damages or allow any towing service to take your vehicle away.

Obtain details of third party and any witness(s) i.e. name, NRIC number, address, contact number, vehicle number and name of third party’s insurer. Take photos of accident scene. Where possible, show the extent of damage to each vehicle and positions of both vehicles. Keep any video clips showing how accident happens as proof of evidence.

Contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.

Important: Under the Motor Claims Framework introduced by the General Insurance Association (GIA), you are required to file a GIA report within 24 hours of the accident regardless of whether you intend to claim on your own car policy or not, or whether your vehicle is damaged or not.

When to make a police report

Do make a police report in the following situations:

Any party is conveyed by ambulance to hospital or given 3 days’ outpatient medical leave

Government or foreign registered vehicles are involved

Government property is damaged (e.g. lamp post, tree)

A cyclist or pedestrian is involved, whether injured or not

Vehicle is stolen or vandalized

In the event of a vandalism or windscreen claim (accident or non-accident)

Contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for finding the best workshop or glass specialist to repair your vehicle.

In the event of a non-traffic accident (e.g. flood, fire or theft)

Contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.

Other Frequently Asked Questions

Why do I have to lodge an accident claim report?It is important for you to report within 24 hours so that we can handle your claim quickly without delay. It is a breach of policy condition for non-reporting and this may lead to repudiation of liability which means that you do not get protection under your policy. In addition, any non-compliance of this policy condition will result in a loss of your No-Claim Discount (NCD) upon renewal of your policy.

If I have no intention of making any claim or my vehicle is not damaged, do I still have to report the accident?You should make a report for record purpose. If there is no claim submitted against you, your No-Claim Discount (NCD) will not be affected.

I received a Writ of Summons from the third party, what do I do?Please submit the document immediately to Liberty Insurance as there is a timeline of 8 days for us to respond quickly with the appropriate action.

I have settled the claim with the third party, should I inform Liberty on details of the private settlement?Yes, please furnish details of the private settlement to Liberty for recording purposes.

How do I make a third party claim against the other vehicle?If you are involved in an accident but the third party is fully at fault, you may wish to claim against the other party for your losses. If the other party is fully at fault, the workshop will repair your vehicle and claim on your behalf. Just contact us at 1800-LIBERTY (5423 789) for receiving guidance and information and for finding the best workshop to repair your vehicle.

Do I have to report all accidents to the Traffic Police?In case of accident involving injuries, government vehicle, government property, a cyclist or pedestrian or a foreign vehicle, please report the accident to the Traffic Police. Otherwise it is not necessary to report to the Traffic Police.

What is the claims procedure if I have an accident in Malaysia?Please lodge a police report in Malaysia and, upon your return contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.

What is a third party policy excess?In the event that there is a claim and a settlement under your policy, you will have to pay the third party policy excess subject to the policy terms and conditions.

Business Property & Business Activities

How to file a claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.

Please note the Insured is not to admit any liability whatsoever to the third party and forward any/all third party correspondence(s) to Liberty Insurance.

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

What should I do if an accident giving rise to a claim occurs?Notify Liberty Insurance or your producer immediately. Liberty Insurance will appoint independent adjusters to look into the matter, when necessary.

However, it is also necessary of you to take immediate action to mitigate the loss by taking necessary measures to minimize and/or prevent further loss/damage.

When do I need to lodge a police report?Please lodge a police report if your property is lost/damaged by theft/break-in or if a criminal malicious act is involved. Do take photos of the forced entry/break-in and submit together with the Claim Form, police report and other relevant documents.

What is excess/deductible under my policy?That portion of costs that has to be borne by you for each claim made as specified in your policy.

What is basis of settlement?If the policy is on indemnity basis, the claim amount payable is derived by taking into account depreciation and wear & tear. If the policy is on replacement value basis, the claim amount payable is new replacement value of the same form without depreciation or wear & tear.

If there is any improvement or betterment to the original property, deductions shall be made on the said replacement value to reflect such improvement or betterment.

What is under-insurance?If the sum insured is less than the value of the insured property at the time of loss, the claim amount will be reduced in proportion to the under-insurance.

What should I do if an incident occur rise to a potential claim against me?Notify Liberty Insurance or your producer immediately, followed by written claim submission (together with relevant documents). We will appoint loss adjusters to look into the matter, when necessary.

What should I do if I receive a Writ of Summons?Forward the Writ of Summons to Liberty Insurance immediately, indicate the date & time you received the same. A legal representative is required to enter appearance on your behalf within 8 days from the date it is served on you, to avoid any prejudice to your legal position.

Will the Public Liability policy pay for legal costs and expenses if a third party sues me?Yes. The policy indemnifies you for all costs and expenses of litigation recoverable by the third party as well as legal costs and expenses (with our consent and if you are legally liable for accidental bodily injury to persons or accidental loss/damage to property and subject to terms & conditions of the policy).

Can I negotiate settlement with the third party?No. Do not negotiate or make any admission, offer, promise or payment without the written consent of Liberty Insurance in connection with the claim. Forward to us immediately upon receipt all correspondences received from the third party regards their claim against you/your servant/agent for our further handling.

What happens if I already compensated the third party without Liberty Insurance written consent? Can I still seek reimbursement under my policy?If you had already done so, you would have prejudiced your/our legal position. We may repudiate the claim as this constitutes a breach of policy condition. However you may submit to us the required documents for our consideration, subject to policy terms & conditions.

What does a Fidelity Guarantee policy cover?This type of policy indemnifies you if you suffer direct pecuniary loss arising from any act or fraud or dishonesty committed by an employee covered under the policy.

Business Property

How to file a claim

Please duly complete, print and send the following form to us with the supporting documents as soon as the happening of an event giving rise to a claim:

Typically what does Marine Cargo insurance covers?Marine Cargo insurance typically affords compensation to the insured/shipper/consignee at an agreed value (provided the claimant has an Insurable Interest on the goods at the time of loss) for any accidental loss/damage (subject to policy terms & conditions) vide typical transportation mode of Air, Sea, Land (Road, Rail, Truck, Lorries etc)

What is excess/deductible under my policy?The portion of costs that has to be borne by you for each claim made as specified in your policy.

My cargo is found damaged overseas, what should I do?Notify the surveyors stated in the policy certificate immediately or inform your customer to contact the surveyor directly. Alternatively, you can contact 1800-LIBERTY (5423 789) or email us at claims@libertyinsurance.com.sg. We will gladly assist you.

Why must I return the original bill of lading, policy certificate or airway bill upon settlement of my claim?These documents must be returned so that the rightful claimant/party to the cargo can be properly identified at the point of claim.

Fidelity Guarantee

How to file Fidelity Guarantee claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

Are photocopies of my original receipts/invoices acceptable for the purpose of processing my claim?No. Original receipts/invoices are required in order to process the Travel claim.

I suffer from pre-existing medical conditions. Can I claim for related medical expenses incurred during the trip?No. Policy excludes the following:

All forms of pre-existing medical conditions that have been diagnosed, received treatment or prescribed with drugs within 6 months preceding the trip

Any hospitalization within 12 months prior to commencement of the trip or for which you have prior knowledge before commencement of the trip

What should I do if I lose my personal belongings, money or travel documents during my trip?If the loss arose because of robbery, burglary or theft, you should lodge a police report or report the loss to the local authority, within 24 hours after the incident.

If I have multiple travel policies and have already received compensation from another insurance company for the same incident, will I still be able to make a claim under Liberty’s travel policy?No. If you have other insurance providing cover for the same loss, damage or liability, Liberty will not be liable to pay except for any excess beyond any amount which would have been payable under the policy had this insurance not been effected.

If I am pregnant, am I covered for any medical treatment incurred overseas?No. The policy excludes any compensation for pregnancy and any complications arising thereform.

If I fell sick and did not seek treatment during my trip, can I claim for medical expenses if I seek treatment in Singapore?Yes, if medical treatment is seek within 3 days upon your return to Singapore.

If I am pregnant, am I covered for medical expenses overseas?Yes, medical expenses incurred overseas are covered only if:

Insured/claimant is more than 12 weeks/after the 1st trimester pregnancy

Treatment for pregnancy is sought overseas

Policy is for 2 way trip (return trip)

The overseas trip or activities carried out overseas are not done against the medical advice from Insured’s/claimant’s medical practitioner in Singapore.

proMedico | proMediCare

How to file a Medical claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from date of treatment in hospital:

Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

Can I go to any physician or hospital I want?Yes, subject to limits and benefits as set out in the policy.

What is the grace period to submit a claim?Claims must be lodged within 30 days from date of occurrence. If the claim is submitted after 30 days, we will need valid reasons for delay in reporting.

Do you cover the cost of obtaining medical certificates needed to support the claim?No. Liberty does not pay for any medical report(s) obtained from hospital/clinic/doctor. Proof of illness/injury will be at the expense of the insured/claimant.

Can I email Liberty the scanned documents instead?No. The documents can be scanned and emailed to us however we will need the original copies to process the claim.

I am claiming from 2 insurance companies. What is the procedure?Please indicate in the Medical Claim Form that you are lodging a claim with another insurance company. Please submit a copy of the settlement advice and tax invoices in order for us to reimburse the balance (subject to policy terms & conditions). The reimbursement should not exceed the total amount that you have incurred.

How much can I claim from my policy?This depends on the benefit entitlement in your policy. Please refer to the Schedule of Benefits.

I have multiple admissions in hospital. How do I submit the claim?Each admission or surgery must be accompanied by a Medical Claim Form. Claim form is not required for follow-up visits with the same doctor/hospital.

What is a deductible/co-insurance?The portion of costs for which insured person/claimant is responsible for. The deductible/co-insurance is applicable for each & every diagnosed medical condition for which a claim is made within any one policy year.

What is the minimum number of hours to be confined in hospital in order to lodge a claim?For day surgery cases, there is no minimum number of hours to be eligible for a claim. However for non-surgical admissions, you can submit the claim for assessment when you are charged for a full day Room & Board.

When I utilize my Medisave account to pay for my treatment, how will my claim be reimbursed?Payment made from a Medisave account will be refunded to the respective Medisave account accordingly.

Medical-Foreign Worker

How to file a Medical-Foreign Worker claim

Please duly complete, print and send the following form to us with the supporting document:

Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid

Copy of Work Permit

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

Can a medical claim be submitted if worker was admitted in hospital or underwent surgery as a result of industrial accident?
No. Medical expenses incurred as a result of work injury should be claimed under Work Injury Compensation insurance.

Will treatment before and after worker’s admission/surgery be payable?
Outpatient services incurred 90 days prior to surgery/admission and 90 days after discharge are payable up to policy limits. Please refer to policy wordings for details on what are payable under the Pre-Hospitalization and Post-Hospitalization benefits.

What is the grace period to submit a claim?
Claims must be lodged within 31 days from date of discharge after occurrence of any hospitalization or surgery. If the claim is submitted after 31 days, we will need valid reasons for delay in reporting.

Do you cover the cost of obtaining medical certificates needed to support the claim?
We will pay up to S$80.25 for original medical report received with the original invoice, provided it is a payable claim.

What is Pro Ration factor?In the event that the worker is admitted in a award higher than the Plan entitlement or to Private Hospital for treatment, the hospital medical expenses payable under the Policy will be reduced by the percentages stated below subject to the limits stated in the Schedule of Benefits:

Private Hospitals

45%

A1 Class in Restructured Hospitals

35%

A2 Class in Restructured Hospitals

25%

B1 Class in Restructured Hospitals

15%

What is a Special Grant benefit?It is a compensation amount paid out in the event of death of the Insured Worker for an Injury or Illness during or after treatment at a Hospital or in a Day Surgery Ward. This compensation is payable for a non work related Injury or Illness within Singapore only, which does not arise out of and/or in the course of employment.

Can I email Liberty the scanned claim documents for the officer to process the claim?The documents can be scanned and emailed to us as a claim notification. However we require the original documents to process the claim.

Work Injury Compensation

How to file a Work Injury Compensation claim

Please duly complete, print and send the following form to us with the supporting document:

When is the employee entitled to the new compensation limits?The new compensation limits are applicable to accidents occurring after June 1, 2012.

When must an injured employee file a claim if he/she wishes to seek compensation under Work Injury Compensation Act (WICA)?An employee has up to one (1) year from date of accident to submit a claim for work injury compensation to MOM.

How would MOM determine if an employee is injured in a fight is eligible for work injury compensation?MOM will examine the facts of each case to determine the admissibility of a claim.

Why is MOM disallowing compensation for employees injured in work-related fights, particularly if it arose over a dispute over work-related matters?While work-related disputes between co-workers may arise from time-to-time, they should not resort to fights to resolve them and employers should not have to bear the cost of the injury, given WICA is a no-fault system.With the WICA amendments though, employers injured in work-related fights will still be eligible for compensation provided these injuries were sustained due to the following:

in the act of self-defence

while defending another individual

while acting under employer’s instructions or consent to break-up a fight

safeguard lives or property or maintain law & order or

as a result of an assault to which he did not retaliate

Would notifying MOM of a possible work-related disease constitute admission of the claim?No. The claim would only be admitted after MOM has conducted its investigation and concluded the disease is indeed work-related.

Why is MOM introducing a new occupational disease of “Disease caused by excessive heat”?Currently claims for injuries from exposure to excessive heat at work (e.g. heat stroke) are already admissible under WICA.The amendment to the Second Schedule provides greater clarity that such injuries are compensable as an occupational disease.

What recourse does an employee have if he is diagnosed with an occupational disease within the time-limit but the employer is no longer in operation?If the employer is no longer in operation, the employee may approach MOM to seek assistance for financial aid.

What recourse does an employee have if he commences common law suit and realizes that he is unlikely to succeed in his common law claim?Under WICA, injured employees have one (1) year from date of accident to decide whether to pursue their claim under WICA or under common law.Employees may choose to revert to WICA even after filing a common law claim, as long as this is done within one (1) year of the accident.Even if the common law suit was initiated within one (1) year of the accident and the accident is assessed to be compensable under WICA, the employee can request the court to assess the WICA compensation due to the employee (minus costs) and direct the employer to pay compensation.

Under WICA, is the employer liable for costs of medical treatment received overseas?The employer is liable for the said costs received overseas if the accident happened when the employee was working overseas and immediate medical treatment was needed.

Are self-employed persons covered under WICA?No.

Can an injured employee file a claim under WICA as well as sue his employer in the civil courts for damages arising from the injury (common law action)?No. The injured employee may either file a claim under WICA or sue his employer in the civil courts for damages.However the injured employee may still withdraw his claim under WICA and initiate a civil action/common law action.He must withdraw his WICA claim within twenty-eight (28) days after the Commissioner serves him with the Notice of Assessment (NOA) informing him of the compensation amount.Thereafter employee/employer/insurer has up to fourteen (14) days to accept or object the NOA. Possible scenarios:

Accept NOA–employer/insurer has up to twenty-one (21) days to make payment. Matter resolved. No common law claim.

One or more parties Object NOA – employee has further fourteen (14) days (or up to twenty-eight (28) days after the service of NOA) to decide if he wishes to proceed or withdraw his claim.

Once decides to proceed with the claim then he will no longer be able to sue his employer under common law action.

If the employee decides to sue under common law action instead of claiming under WICA then he should withdraw his claim under WICA in order to commence civil action.

Insurance Packages

How to file a Insurance Package claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.

Stay calm and not be angry. Move to somewhere safe and check if anyone requires assistance.

Do not admit liability, sign any promissory note agreeing to pay for damages or allow any towing service to take your vehicle away.

Obtain details of third party and any witness(s) i.e. name, NRIC number, address, contact number, vehicle number and name of third party’s insurer. Take photos of accident scene. Where possible, show the extent of damage to each vehicle and positions of both vehicles. Keep any video clips showing how accident happens as proof of evidence.

Contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.

Important: Under the Motor Claims Framework introduced by the General Insurance Association (GIA), you are required to file a GIA report within 24 hours of the accident regardless of whether you intend to claim on your own car policy or not, or whether your vehicle is damaged or not.

When to make a police report

Do make a police report in the following situations:

Any party is conveyed by ambulance to hospital or given 3 days’ outpatient medical leave

Government or foreign registered vehicles are involved

Government property is damaged (e.g. lamp post, tree)

A cyclist or pedestrian is involved, whether injured or not

Vehicle is stolen or vandalized

In the event of a vandalism or windscreen claim (accident or non-accident)

Contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for finding the best workshop or glass specialist to repair your vehicle.

In the event of a non-traffic accident (e.g. flood, fire or theft)

Contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.

Other Frequently Asked Questions

Why do I have to lodge an accident claim report?It is important for you to report within 24 hours so that we can handle your claim quickly without delay. It is a breach of policy condition for non-reporting and this may lead to repudiation of liability which means that you do not get protection under your policy. In addition, any non-compliance of this policy condition will result in a loss of your No-Claim Discount (NCD) upon renewal of your policy.

If I have no intention of making any claim or my vehicle is not damaged, do I still have to report the accident?You should make a report for record purpose. If there is no claim submitted against you, your No-Claim Discount (NCD) will not be affected.

I received a Writ of Summons from the third party, what do I do?Please submit the document immediately to Liberty Insurance as there is a timeline of 8 days for us to respond quickly with the appropriate action.

I have settled the claim with the third party, should I inform Liberty on details of the private settlement?Yes, please furnish details of the private settlement to Liberty for recording purposes.

How do I make a third party claim against the other vehicle?If you are involved in an accident but the third party is fully at fault, you may wish to claim against the other party for your losses. If the other party is fully at fault, the workshop will repair your vehicle and claim on your behalf. Just contact us at 1800-LIBERTY (5423 789) for receiving guidance and information and for finding the best workshop to repair your vehicle.

Do I have to report all accidents to the Traffic Police?In case of accident involving injuries, government vehicle, government property, a cyclist or pedestrian or a foreign vehicle, please report the accident to the Traffic Police. Otherwise it is not necessary to report to the Traffic Police.

What is the claims procedure if I have an accident in Malaysia?Please lodge a police report in Malaysia and, upon your return contact us at 1800-LIBERTY (5423 789) as soon as possible for receiving guidance and information for filing your GIA report and finding the best workshop to repair your vehicle.

What is a third party policy excess?In the event that there is a claim and a settlement under your policy, you will have to pay the third party policy excess subject to the policy terms and conditions.

Business Property & Business Activities

How to file a claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.

Please note the Insured is not to admit any liability whatsoever to the third party and forward any/all third party correspondence(s) to Liberty Insurance.

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

What should I do if an accident giving rise to a claim occurs?Notify Liberty Insurance or your producer immediately. Liberty Insurance will appoint independent adjusters to look into the matter, when necessary.

However, it is also necessary of you to take immediate action to mitigate the loss by taking necessary measures to minimize and/or prevent further loss/damage.

When do I need to lodge a police report?Please lodge a police report if your property is lost/damaged by theft/break-in or if a criminal malicious act is involved. Do take photos of the forced entry/break-in and submit together with the Claim Form, police report and other relevant documents.

What is excess/deductible under my policy?That portion of costs that has to be borne by you for each claim made as specified in your policy.

What is basis of settlement?If the policy is on indemnity basis, the claim amount payable is derived by taking into account depreciation and wear & tear. If the policy is on replacement value basis, the claim amount payable is new replacement value of the same form without depreciation or wear & tear.

If there is any improvement or betterment to the original property, deductions shall be made on the said replacement value to reflect such improvement or betterment.

What is under-insurance?If the sum insured is less than the value of the insured property at the time of loss, the claim amount will be reduced in proportion to the under-insurance.

What should I do if an incident occur rise to a potential claim against me?Notify Liberty Insurance or your producer immediately, followed by written claim submission (together with relevant documents). We will appoint loss adjusters to look into the matter, when necessary.

What should I do if I receive a Writ of Summons?Forward the Writ of Summons to Liberty Insurance immediately, indicate the date & time you received the same. A legal representative is required to enter appearance on your behalf within 8 days from the date it is served on you, to avoid any prejudice to your legal position.

Will the Public Liability policy pay for legal costs and expenses if a third party sues me?Yes. The policy indemnifies you for all costs and expenses of litigation recoverable by the third party as well as legal costs and expenses (with our consent and if you are legally liable for accidental bodily injury to persons or accidental loss/damage to property and subject to terms & conditions of the policy).

Can I negotiate settlement with the third party?No. Do not negotiate or make any admission, offer, promise or payment without the written consent of Liberty Insurance in connection with the claim. Forward to us immediately upon receipt all correspondences received from the third party regards their claim against you/your servant/agent for our further handling.

What happens if I already compensated the third party without Liberty Insurance written consent? Can I still seek reimbursement under my policy?If you had already done so, you would have prejudiced your/our legal position. We may repudiate the claim as this constitutes a breach of policy condition. However you may submit to us the required documents for our consideration, subject to policy terms & conditions.

What does a Fidelity Guarantee policy cover?This type of policy indemnifies you if you suffer direct pecuniary loss arising from any act or fraud or dishonesty committed by an employee covered under the policy.

Business Property

How to file a claim

Please duly complete, print and send the following form to us with the supporting documents as soon as the happening of an event giving rise to a claim:

Typically what does Marine Cargo insurance covers?Marine Cargo insurance typically affords compensation to the insured/shipper/consignee at an agreed value (provided the claimant has an Insurable Interest on the goods at the time of loss) for any accidental loss/damage (subject to policy terms & conditions) vide typical transportation mode of Air, Sea, Land (Road, Rail, Truck, Lorries etc)

What is excess/deductible under my policy?The portion of costs that has to be borne by you for each claim made as specified in your policy.

My cargo is found damaged overseas, what should I do?Notify the surveyors stated in the policy certificate immediately or inform your customer to contact the surveyor directly. Alternatively, you can contact 1800-LIBERTY (5423 789) or email us at claims@libertyinsurance.com.sg. We will gladly assist you.

Why must I return the original bill of lading, policy certificate or airway bill upon settlement of my claim?These documents must be returned so that the rightful claimant/party to the cargo can be properly identified at the point of claim.

Fidelity Guarantee

How to file Fidelity Guarantee claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

Are photocopies of my original receipts/invoices acceptable for the purpose of processing my claim?No. Original receipts/invoices are required in order to process the Travel claim.

I suffer from pre-existing medical conditions. Can I claim for related medical expenses incurred during the trip?No. Policy excludes the following:

All forms of pre-existing medical conditions that have been diagnosed, received treatment or prescribed with drugs within 6 months preceding the trip

Any hospitalization within 12 months prior to commencement of the trip or for which you have prior knowledge before commencement of the trip

What should I do if I lose my personal belongings, money or travel documents during my trip?If the loss arose because of robbery, burglary or theft, you should lodge a police report or report the loss to the local authority, within 24 hours after the incident.

If I have multiple travel policies and have already received compensation from another insurance company for the same incident, will I still be able to make a claim under Liberty’s travel policy?No. If you have other insurance providing cover for the same loss, damage or liability, Liberty will not be liable to pay except for any excess beyond any amount which would have been payable under the policy had this insurance not been effected.

If I am pregnant, am I covered for any medical treatment incurred overseas?No. The policy excludes any compensation for pregnancy and any complications arising thereform.

If I fell sick and did not seek treatment during my trip, can I claim for medical expenses if I seek treatment in Singapore?Yes, if medical treatment is seek within 3 days upon your return to Singapore.

If I am pregnant, am I covered for medical expenses overseas?Yes, medical expenses incurred overseas are covered only if:

Insured/claimant is more than 12 weeks/after the 1st trimester pregnancy

Treatment for pregnancy is sought overseas

Policy is for 2 way trip (return trip)

The overseas trip or activities carried out overseas are not done against the medical advice from Insured’s/claimant’s medical practitioner in Singapore.

proMedico | proMediCare

How to file a Medical claim

Please duly complete, print and send the following form to us with the supporting documents within 30 days from date of treatment in hospital:

Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

Can I go to any physician or hospital I want?Yes, subject to limits and benefits as set out in the policy.

What is the grace period to submit a claim?Claims must be lodged within 30 days from date of occurrence. If the claim is submitted after 30 days, we will need valid reasons for delay in reporting.

Do you cover the cost of obtaining medical certificates needed to support the claim?No. Liberty does not pay for any medical report(s) obtained from hospital/clinic/doctor. Proof of illness/injury will be at the expense of the insured/claimant.

Can I email Liberty the scanned documents instead?No. The documents can be scanned and emailed to us however we will need the original copies to process the claim.

I am claiming from 2 insurance companies. What is the procedure?Please indicate in the Medical Claim Form that you are lodging a claim with another insurance company. Please submit a copy of the settlement advice and tax invoices in order for us to reimburse the balance (subject to policy terms & conditions). The reimbursement should not exceed the total amount that you have incurred.

How much can I claim from my policy?This depends on the benefit entitlement in your policy. Please refer to the Schedule of Benefits.

I have multiple admissions in hospital. How do I submit the claim?Each admission or surgery must be accompanied by a Medical Claim Form. Claim form is not required for follow-up visits with the same doctor/hospital.

What is a deductible/co-insurance?The portion of costs for which insured person/claimant is responsible for. The deductible/co-insurance is applicable for each & every diagnosed medical condition for which a claim is made within any one policy year.

What is the minimum number of hours to be confined in hospital in order to lodge a claim?For day surgery cases, there is no minimum number of hours to be eligible for a claim. However for non-surgical admissions, you can submit the claim for assessment when you are charged for a full day Room & Board.

When I utilize my Medisave account to pay for my treatment, how will my claim be reimbursed?Payment made from a Medisave account will be refunded to the respective Medisave account accordingly.

Medical-Foreign Worker

How to file a Medical-Foreign Worker claim

Please duly complete, print and send the following form to us with the supporting document:

Other supporting documents such as medical/specialist reports, settlement letter from other insurers if bill(s) partially paid

Copy of Work Permit

Please note the above list of documents is not exhaustive. Other documents may be requested if necessary.

Other Frequently Asked Questions

Can a medical claim be submitted if worker was admitted in hospital or underwent surgery as a result of industrial accident?
No. Medical expenses incurred as a result of work injury should be claimed under Work Injury Compensation insurance.

Will treatment before and after worker’s admission/surgery be payable?
Outpatient services incurred 90 days prior to surgery/admission and 90 days after discharge are payable up to policy limits. Please refer to policy wordings for details on what are payable under the Pre-Hospitalization and Post-Hospitalization benefits.

What is the grace period to submit a claim?
Claims must be lodged within 31 days from date of discharge after occurrence of any hospitalization or surgery. If the claim is submitted after 31 days, we will need valid reasons for delay in reporting.

Do you cover the cost of obtaining medical certificates needed to support the claim?
We will pay up to S$80.25 for original medical report received with the original invoice, provided it is a payable claim.

What is Pro Ration factor?In the event that the worker is admitted in a award higher than the Plan entitlement or to Private Hospital for treatment, the hospital medical expenses payable under the Policy will be reduced by the percentages stated below subject to the limits stated in the Schedule of Benefits:

Private Hospitals

45%

A1 Class in Restructured Hospitals

35%

A2 Class in Restructured Hospitals

25%

B1 Class in Restructured Hospitals

15%

What is a Special Grant benefit?It is a compensation amount paid out in the event of death of the Insured Worker for an Injury or Illness during or after treatment at a Hospital or in a Day Surgery Ward. This compensation is payable for a non work related Injury or Illness within Singapore only, which does not arise out of and/or in the course of employment.

Can I email Liberty the scanned claim documents for the officer to process the claim?The documents can be scanned and emailed to us as a claim notification. However we require the original documents to process the claim.

Work Injury Compensation

How to file a Work Injury Compensation claim

Please duly complete, print and send the following form to us with the supporting document:

When is the employee entitled to the new compensation limits?The new compensation limits are applicable to accidents occurring after June 1, 2012.

When must an injured employee file a claim if he/she wishes to seek compensation under Work Injury Compensation Act (WICA)?An employee has up to one (1) year from date of accident to submit a claim for work injury compensation to MOM.

How would MOM determine if an employee is injured in a fight is eligible for work injury compensation?MOM will examine the facts of each case to determine the admissibility of a claim.

Why is MOM disallowing compensation for employees injured in work-related fights, particularly if it arose over a dispute over work-related matters?While work-related disputes between co-workers may arise from time-to-time, they should not resort to fights to resolve them and employers should not have to bear the cost of the injury, given WICA is a no-fault system.With the WICA amendments though, employers injured in work-related fights will still be eligible for compensation provided these injuries were sustained due to the following:

in the act of self-defence

while defending another individual

while acting under employer’s instructions or consent to break-up a fight

safeguard lives or property or maintain law & order or

as a result of an assault to which he did not retaliate

Would notifying MOM of a possible work-related disease constitute admission of the claim?No. The claim would only be admitted after MOM has conducted its investigation and concluded the disease is indeed work-related.

Why is MOM introducing a new occupational disease of “Disease caused by excessive heat”?Currently claims for injuries from exposure to excessive heat at work (e.g. heat stroke) are already admissible under WICA.The amendment to the Second Schedule provides greater clarity that such injuries are compensable as an occupational disease.

What recourse does an employee have if he is diagnosed with an occupational disease within the time-limit but the employer is no longer in operation?If the employer is no longer in operation, the employee may approach MOM to seek assistance for financial aid.

What recourse does an employee have if he commences common law suit and realizes that he is unlikely to succeed in his common law claim?Under WICA, injured employees have one (1) year from date of accident to decide whether to pursue their claim under WICA or under common law.Employees may choose to revert to WICA even after filing a common law claim, as long as this is done within one (1) year of the accident.Even if the common law suit was initiated within one (1) year of the accident and the accident is assessed to be compensable under WICA, the employee can request the court to assess the WICA compensation due to the employee (minus costs) and direct the employer to pay compensation.

Under WICA, is the employer liable for costs of medical treatment received overseas?The employer is liable for the said costs received overseas if the accident happened when the employee was working overseas and immediate medical treatment was needed.

Are self-employed persons covered under WICA?No.

Can an injured employee file a claim under WICA as well as sue his employer in the civil courts for damages arising from the injury (common law action)?No. The injured employee may either file a claim under WICA or sue his employer in the civil courts for damages.However the injured employee may still withdraw his claim under WICA and initiate a civil action/common law action.He must withdraw his WICA claim within twenty-eight (28) days after the Commissioner serves him with the Notice of Assessment (NOA) informing him of the compensation amount.Thereafter employee/employer/insurer has up to fourteen (14) days to accept or object the NOA. Possible scenarios:

Accept NOA–employer/insurer has up to twenty-one (21) days to make payment. Matter resolved. No common law claim.

One or more parties Object NOA – employee has further fourteen (14) days (or up to twenty-eight (28) days after the service of NOA) to decide if he wishes to proceed or withdraw his claim.

Once decides to proceed with the claim then he will no longer be able to sue his employer under common law action.

If the employee decides to sue under common law action instead of claiming under WICA then he should withdraw his claim under WICA in order to commence civil action.

Insurance Packages

How to file a Insurance Package claim

Please duly complete, print and send following form(s) to us with the supporting documents as soon as the happening of an event giving rise to a claim.